Budgeting as a couple
I'm curious how you all would approach this scenario. My partner and I have a joint account with all of our shared expenses (including our mortgage, utilities, software, gym memberships, groceries, dining out, etc) but we also maintain separate accounts (for things such as our own student debt, car payments, and personal spending). I think it would be easier for us to just maintain one account, but we're not there just yet. So, in the meantime, I'm curious about how to budget this. We've tried just using one budget for all three accounts but it got a bit confusing.
I'd love to hear your thoughts!
Have you tried categorizing, like "my student loan" "their student loan" "my car loan" "their car loan" etc, and placing the money from your account into your categories, their account into their categories, and your joint account to your joint expenses? I have done this with 2 accounts which are for 2 specific things, so that the money in those accounts doesn't get mixed up with the rest of my budget.
The nice thing about managing your budget in YNAB is that, when allocating your dollars, it doesn't matter which account that money is in. I have ~10 accounts associated with my budget, but I never have to worry about which account is paying for what categories. My budget is not dependent on my accounts. By having both of your incomes going in To Be Budgeted, you can freely allocate your combined money into your different categories. You would then have a separate category for each of your student loan debts, car payments, etc. For example, my wife and I each have a Fun Money category we use for whatever we wish.
If this idea of pooling all of your money together sounds a bit too much, then having one joint budget probably isn't the way to go. In that case, I'd take mamster's suggestion of creating separate budgets and a shared budget for mutual expenses.
I had my spouse fill in his login information in the app and then I can use direct import to take care of the transactions. I enter a lot of my own transactions manually, but the nagging needed to get my husband to do it is just too much. He shuts down about financial stuff, so I just use direct import and if I can't figure out what something was by the store it was purchased at, I will ask him. The only thing we have that isn't joint is our credit cards. I have a savings account from pre-marriage, but getting him to fill out the paperwork to be added as joint is painful, so it hasn't happened yet, although I keep trying.